Financing

Take It Home Today.

Six ways to pay over time — including options with no credit needed and $0 down. Apply online in a couple of minutes and get an answer right away.

No credit needed options$0 down availableAnswer in minutesSix lenders — six chances
See your options Call 346-230-4764
How it works

Three Steps, About Five Minutes.

1

Pick your furniture

Shop online or come see it in the Houston showroom. Note what you love — you don't have to decide today.

2

Apply — start at the top

Begin with Snap Finance. It takes a couple of minutes and you'll get an answer right away. If it's a no, go straight to the next one on the list.

3

Take it home

Once you're approved, call or come in and we'll finish the order and set up delivery — often same day or next day.

Apply in this order

Start at Step 1 and Work Down.

These are in the order we recommend. Each company approves people differently, so if one says no, apply to the next one — it costs you nothing to keep going.

  1. Start here · Step 1
    Snap FinanceFinancing partner
    No credit needed · $0 down

    Snap Finance

    Start here. Snap looks at a lot more than your credit score, which is why it's the option that works for most of our customers — including plenty who've been turned down somewhere else.

    • No credit needed
    • $0 down
    • Answer in minutes
    • Same-day pickup or delivery
    Apply with Snap Opens Snap Finance's secure application
  2. Step 2
    American First FinanceFinancing partner
    No credit needed

    American First Finance

    Your next move if Snap doesn't come through. American First weighs your income and banking history, so a thin or bruised credit file isn't the end of the conversation.

    • No credit needed
    • Fast online decision
    • Flexible payment schedules
    • Early payoff options
    Apply with American First Opens American First Finance's secure application
  3. Step 3
    KoalafiFinancing partner
    Quick decision

    Koalafi

    Koalafi gives you an answer in minutes and offers more than one kind of plan, so there's often something here even when the first two didn't work out.

    • Apply in about 2 minutes
    • More than one plan type
    • See your terms before you commit
    • Straightforward payments
    Apply with Koalafi Opens Koalafi's secure application
  4. Step 4
    Progressive LeasingFinancing partner
    Lease-to-own

    Progressive Leasing

    A lease-to-own option that doesn't require good credit. You make payments over time and own the furniture at the end, with early purchase options if you want to finish sooner.

    • No credit needed
    • Flexible lease terms
    • Early purchase options
    • Decision in minutes
    Apply with Progressive Opens Progressive Leasing's secure application
  5. Step 5
    AcimaFinancing partner
    Lease-to-own

    Acima

    Another lease-to-own route with its own approval rules — worth applying to even if the ones above said no. Payments line up with your paydays.

    • No credit needed
    • Payments on your payday schedule
    • Early purchase options
    • Quick approval
    Apply with Acima Opens Acima's secure application
  6. Step 6
    SynchronyFinancing partner
    Our store credit card

    Synchrony

    The Monn Furniture credit card. This one uses a soft credit check, so we keep it for last — but if your credit is in decent shape it's often the best deal of the bunch, and you can use it again next time.

    • Soft credit check
    • Promotional financing on qualifying purchases
    • Reusable line of credit
    • Manage it online
    Apply with Synchrony Opens Synchrony's secure application

Turned down? Don't stop there.

Getting a no from the first company you try is completely normal, and it happens to people with steady jobs and good income all the time. It is not a judgement on you.

Keep going down the list. Every one of these companies looks at something different — income, banking history, how long you've been at your job, your credit. A no from one says nothing about the next one.

Good to know

Questions We Get a Lot.

Do I need good credit?
Not for most of our options. Snap Finance, American First Finance, Progressive Leasing and Acima are built for customers who don't have established credit or who've been turned down before. Synchrony is the one option that runs a credit check, which is why we save it for last.
How much do I need to put down?
Several of our partners offer $0 down or a small initial payment for approved customers. Your exact amount shows up on your approval before you agree to anything.
How long does it take?
Most applications take two or three minutes and give you an answer on the spot. Have your ID, income info and bank or debit card details handy.
What if I get denied?
Move to the next company on the list and apply again. Customers get approved through the second, third or fourth option every week. If you get through the list and still need help, call us — we'll look at it with you.
Can I apply before I pick out furniture?
Yes, and a lot of people do. Getting approved first tells you exactly what you have to work with when you start shopping.
Can I do this in the store instead?
Absolutely. Come by the showroom or call 346-230-4764 and we'll walk through the application with you.

Not Sure Where to Start?

Call us and we'll tell you which option to try first for your situation. No pressure, no obligation — we do this all day.

Call 346-230-4764 Browse furniture

Monn Furniture is not a lender. All financing and lease-to-own agreements are provided by the companies listed above, and approval, terms, down payment and total cost are set by them, not by us. Approval is not guaranteed. Please read your agreement carefully before you sign.